12.22.2011

BPI Savings Account Without Maintaining Balance -- BPI Easy Saver

Yes, BPI has launched its BPI Easy Saver account, a savings account without maintaining balance. It launched it as an easier way to save, as you can start with 200 pesos, and you can deposit small amounts.

It also forces you to "save" your savings, and encourages you not to withdraw your savings frequently.
Why not withdraw frequently? Because you are charged 5 pesos for every ATM withdrawal, and 100 pesos for over-the-counter withdrawal.

What can you use this BPI Easy Saver for?

- As a way to send allowance to your child in college. Compared to the BPI Express Cash Card, this BPI Easy Saver is better. It's a savings account, so it earns interest and is PDIC-insured. It's also cheaper -- the ATM card is 50 pesos, and the withdrawal fee is 5 pesos. The Express Cash Card costs 150 pesos and its withdrawal fee is 15 pesos.

- As a remittance account

- As a regular savings account

How to Open an Easy Saver Account

- Go to a BPI or BPI Family branch.

- Just like with any other bank savings account, bring:
-- two valid IDs
-- photocopy of two valid IDs
-- 1 1x1 ID picture
-- Bring also a bill with your name and address (Meralco, PLDT, or a credit card bill) just in case the branch requires a proof of address. Some branches accept barangay clearance or certificate as proof of address.

- For students, bring extra documents, just in case the branch requires more documents:
-- your school ID
-- current registration card or enrollment card
-- NSO-issued birth certificate
-- barangay clearance or certificate, or any proof of your address (bill in the name of your father; your
birth certificate shows your relationship)If the branch is strict, inquire at another branch. Or at an Express branch at a mall. Or simply go to another bank. There are a lot of banks. And if you have time, please comment here or on other banking blogs about banks and bank branches that require lots of documents.

- Pay 50 pesos for the Express Teller ATM card.

- Deposit at least 200 pesos.

Are There Other Fees I Need to Know?

- You're charged 5 pesos for every withdrawal from a BPI ATM machine. You're charged more for withdrawals from other banks' ATM machines.
- You also pay this 5-peso-charge for every fund transfer and bill payment via your BPI Internet banking.

* This account is good for those who are not yet able to maintain the minimum balance requirement for regular bank accounts.
It's better to pay 5 pesos for every withdrawal than paying 300 pesos a month as penalty for not maintaining the balance requirement for 2 consecutive months.
What you'll do is to plan your withdrawals so you don't get deducted many 5s.

What if I only have 1 valid ID?
Be on the lookout for BPI Easy Saver promos in schools, supermarkets, malls, fairs or other events. Usually, during promos, BPI officers accept only 1 ID. Try also applying at BPI Express Centers in malls or near malls.

About a student who wants to open a BPI Easy Saver account, Janelle Caranto October 10, 2015 Hello po. I'm a student. I want to open an easy saver acc. but I only have these requirements, ID and NSO birth certificate. Can I open an account? Reply po pls. Asap. Thanks.ANSWER:Yes, bring your student ID with photo and school head's signature plus 2 ID photos. Bring your registration form if you have, and yes, bring your NSO cert in case they need it.

About banks' adverse action notice list or negative list : Sorry I don't work with BPI. Try to apply for an Easy Saver account. Then if they deny you, try other banks. Try a smaller savings bank or a rural bank; I think many smaller banks do not yet have access to the negative lists of bigger banks.

About BPI Express Teller PIN change October 30, 2015 Regarding bpi express teller, I changed my pin within the change-PIN period, and it was successful. Now I am withdrawing, and this error appears: pin length/invalid account type/no account. Is it possible my card was deactivated?ANSWER:Try balance inquiry, and if your balance appears, this means you're allowed only for balance inquiry for the meantime. Call BPI 89-100 so you can confirm to them that it was you who changed your PIN. Be ready with your account no., other personal info, and the date and time when you changed your PIN.I've been a BPI account owner for years, and when I changed my PIN recently, I also had to call BPI before I could withdraw.

About withdrawing 250php, 220php or 270php November 2, 2015 Can we withdraw for example 250php, 220php or 270php from our easy savers account? Thank you.ANSWER:From the atm machine, no, you cannot withdraw those amounts because the smallest bill in the atm is the 100-peso bill. There's no 20-peso or 50-peso bill in the atm machine.If you withdraw over the counter, you can withdraw those amounts, but you will pay a fee because your account is atm-based.If you like to use your balance including the cents, you can use your atm to pay your purchase at a store or supermarket that has a Megalink or Express Net swipe system.

About TIN for bank account opening, Kimberly GuillermoNovember 3, 2015Need your help po. Here at bpi, why do they require a tin number. I don't have it. It's a requirement here at bpi tanza cavite. Help poANSWER:Hi Kimberly, check this BIR Eregistration from time to time, and if this page is active again, apply for your eTIN online. Banks require TIN because they use it for the 20%-withholding-tax that they deduct from interest earned. Some banks do not require TIN if what you present is a student ID with current school registration card.

OFW FROM KUWAIT, about remittances to BPI account November 13, 2015 May I ask about bpi xpress international. What if my remittances are not deposited to my account? Or what if one remittance does not get credited? Is there a way to remedy it? But there's a receipt per transaction. By the way, I have not changed my PIN for 2 years. But I have been depositing frequently to my account. Thanks a lot po. god blessANSWER:Are you using a BPI remittance partner to send money from Kuwait? Remittance is better with partners.Enroll in BPI online banking so you can check your account balance. Prepare your user name and a strong password. This is how toenroll in BPI online banking while abroad. When successfully enrolled, always logout after using, and if using public computers, always clear history. If later on you use a smartphone for your online banking, it's advisable that you do not activate the Send Money to an Unenrolled Account. Anyway, this cannot be activated while you're abroad because the activation is completed using a BPI atm machine.

Hi! I availed easy saver last nov 11 in our school. The assistant said that i can only change pin on the dates of nov 17 and 18. When I read the letter they have given me, it says 2 banking days. So I change my pin Nov 13 but transaction not allowed. Then day 18 came, I also change the pin but in BPI not in family savings bank because I don't know where I could change the pin, it also said that the transaction wasnt allowed and i have no record in bpi. So today this morning, I changed my pin in family savings bank but again, transaction not allowed. I insert the card again for the last time to change the pin and it says, pin incorrect. What should I do??? I hope you understand me and thanks you if you will answer me. :)

About the need to make a balance inquiry before withdrawal:Do we need to perform balance inquiry before withdrawing from an atm machine?ANSWER:No, you don't need to make a balance inquiry. You can withdraw immediately. But if you are withdrawing from atm machines very far from your place, or if it's night time or weekends/holidays, it is wise to make a balance inquiry first, in case the machine is out of order, or in case there's a glitch.

Hi po. I opened this atm account last June. It's a zero balance account. I was intending to use it for sending my wage to my mom because I thaought my mom's account is not acceptable in my employer. however my mom's account was accepted by my employer thus the remittance goes directly to her account nalang. So, i have forgotten about this one. Can I ask of what would be the status of this account? Am i going to pay for not depositing for almost 5 months already starting from opening the account? or will it be deactivated??? or what?

Bhelle December 4, 2015 Hi poh is my bpi card active after 5 yrs of not using it? I'm in hk poANSWER:Your account is no longer active. Your account became dormant after 2 years of not using it. Does it have a balance? You can inquire about it at your branch when you come home for a vacation.

Myla Betonio, December 10, 2015Is this still offered? What if I have no bill as proof of address?ANSWER:Yes, this account is still offered by BPI and BPI Family. I think proof of address is not always required. If you have 2 valid photo IDs and 2 ID pictures, you can apply for this account.

rhey mond, BPI ATM PIN December 26, 2015 Hi! What should we do if 3x we entered wrong pin? My mama erred, but we know the pin. When I tried to correct, it no longer worked because we had entered the wrong pin 3x.ANSWER:Call BPI 89-100 to reset your PIN. Remember the time and place you entered your wrong PIN because the BPI officer might ask about it.

Hello, no, it's not exclusively for students. Easy Saver is for anyone who is not yet able to maintain a certain amount of money in the account everyday, as long as he/she has valid IDs to present. Because it does not require a maintaining balance, it charges 5 pesos for every atm withdrawal and every balance inquiry.However, I think BPI will ask certain questions if you open an Easy Saver as a payroll account.

Shanelle Marquez Bartolome, about maintaining balance for BPI Express International January 23, 2016 It has been almost 2 months that my atm has only P0.75. Will it close? If it's closed, what should I do? Especially now that my aunt sent me money from Kuwait. How much is the maintaining balance for BPI express teller international?ANSWER:Is your account a BPI Easy Saver account? If yes, your account is active. Easy Saver does not require a maintaining balance. Is your account a regular atm savings account? If yes, you can reactivate your account if it's already closed.Make a balance inquiry using your atm card. If your account is closed, you will see "Account is closed" or "Account is inactive". Visit your BPI branch and reactivate it. You will pay 300 pesos to pay for the below-maintaining-balance-penalty. Deposit also some money.The maintaining balance requirement for a regular BPI atm savings account is 3,000 pesos. If you like BPI but you cannot yet maintain 3,000 pesos, open an atm savings account at BPI Family -- maintaining balance is only 1,000.

Hi, good day. I have an Easy Savers Account and I enrolled it to the BPI Online Banking System. The app says I have two different balances po. Available Balance and Total Balance. Total Balance has 500 pesos more than Available Balance. Can I withdraw that balance using ATMs po? Cus I heard that Easy Savers has 0 maintaining balance.

Available balanceYou can withdraw up to the available balance only. Usually banks put on hold 300 pesos or more for newly opened bank accounts in case account holders close them less than one month after opening. After one month, they make this 300 pesos available for withdrawal.

there was a remittance sent to my account last friday totaling to P16,500 ... available balance at that time was 18,500 ... i withdrew around 8,500 (in 2 withdrawals) ... yesterday however, when i checked my account, total balance was 10000 while available balance was 0 ... what seems to be the problem? i tried calling BPI but their network is busy

Hi Mark, sorry I can't think of any possible reason, so you better call BPI. They might need to verify some personal data. Call late at night or at dawn.I hope you share with us the reason later on. Thanks

precious pretty, remittance from Australia to BPI February 26, 2016:I have a bf from Australia and he likes to remit money to my BPI account here. Can he remit to my BPI ATM easy saver?ANSWER:Yes, your bf can remit money to your Easy Saver account. Here's a list of BPI remittance partners in Australia

Richie Goh, opening an Easy Saver account Feb 17, 2016: What are the requirements for a non-student to open an easy savers account? I live in cebu city. ThanksANSWER:You present a valid ID: Here's a list of valid IDs accepted by BPI

Hi Toro Pical:Yes, you can. You can open a regular BPI atm savings account (the one which has a 3,000 maintaining balance requirement). With this atm card, all your BPI atm transactions are free and all your online fund transfers/bill payments are free. BPI Family offers a lower maintaining balance for its atm-only account -- only 1,000, and you can use BPI and BPI Family atm machines for free. The BPI Easy Saver account imposes a 5-peso fee for atm transactions and online debits because it does not require a maintaining balance.The BDO cash card also charges fees (over the counter deposit and atm withdrawal) because it does not require a maintaining balance. Easy Saver does not impose a deposit fee.But if your Easy Saver is your payroll account, then ask your company if you can open a new account, a regular account, for your payroll. Some companies choose this Easy Saver for payroll so they can save on big maintaining-balance requirements.

Hi Toro Pical, yes, sad, but they do this to compensate for the zero-maintaining-balance offer. If your Easy Saver is a payroll account, you can open another regular BPI Family savings account (only 1k maintaining balance), then everytime you receive your salary, transfer all your salary to your BPI Family account (5 peso charge), then you can do your many other transactions from your BPI Family account for free, online or via BPI atm.

Hi Toro Pical, with that account, there's no charge if you withdraw or make a balance inquiry at a BDO atm machine. Online transactions like balance inquiry, fund transfer to an enrolled account, bill payment, phone reload, cash card reload are all free.

Hi Toro Pical:Yes, anyone who can present at least one valid ID, can fill up the opening forms and can pay the initial deposit can open a BPI Family atm savings account.Yes, atm transactions at a BPI or BPI Family atm and BPI online transactions are free.Wait for at least one month from opening date before you close your Easy Saver. You can open a regular atm account even if you have an existing Easy Saver account.

Mico Eniza Yaranon February 29, 2016 atHi ms nors, My aunt sent me money last night Feb 29 7 pm at her time (she's in abu dhabi). I checked it today at my bpi app (i have a payroll account) and there was no remittance yet. Is it a reason that i dont leave balance on my payroll account (is this ok?) so the remittance is not credited? Or is there a certain time before i receive the money? Will I be charged a fee for receiving money from abroad? Thanks po, hope to hear from you soon.ANSWER:Hi Mico, I hope you got your money already. Yes, there's an inward remittance fee that will be deducted.Since your account is a payroll account, it's okay that you don't leave any amount. It's also an Easy Saver -- it does not require a maintaining balance.

Anonymous, about updating data March 6, 2016 It has only been a few months I didn't make a transaction but BPI sent me an email requesting me to present an ID to update my identity info. I opened this account in 2012 and was still a student then.ANSWER:Did the email come from expressonline@bpi.com.ph? Did it ask you to present your ID at your branch?

Mary Kristine Japon, Account Not Available March 8, hi po teh Nora. I have saving account at BPI. My aunt in Australia sent money using my BPI savings account. Is this possible? If possible, why does the machine reply ACCOUNT NOT AVAILABLE whenever I inquire to see my aunt's remittance? really need your help poANSWER:Hi Mary Kristine, is your account Easy Saver? Do you have some money in your account? There's a charge of 5 pesos for every balance inquiry, so if your account has zero balance, it does not process your inquiry. Deposit maybe 100 or 200 pesos, or wait for some more days before you inquire. By that time, your aunt's remittance should have been credited. There's also a charge of 5 pesos for every withdrawal.

Mary Kristine Japon March 9, 2016 yes po my account is easy saver. I have savings worth 200. my aunt sent money last thurs. but when I tried to inquire my current account, it's "ACCOUNT NOT AVAILABLE". is it normal po that the machine shows account not available if there's no balance?ANSWER:Hi Mary Kristine, did you press "CURRENT"? You should press "SAVINGS". Try again and press SAVINGS. CURRENT is for checking accounts. About no balance: I'm not sure what the machine says if it's zero balance, but I know that it will not process because it needs to deduct 5 pesos for every balance inquiry and 5 pesos for every withdrawal.

Hi Twin Flame Lover, I think I've replied to your question in another post. But if not, sorry for the delayed response. Yes, I think so. Easy Saver is a regular savings account so you can link your Easy Saver to your Paypal. You can then transfer your Paypal money to your Easy Saver after successful linking.

Whaine Cajegas March 24, 2016Hi Ms Nora, is the easy saver account the same as BPI DEBIT CARD (esp). This is the card given to me, but I applied for easy saver account po. Thanks for the reply :)ANSWER:Hi Whaine, maybe BPI is bringing back debit cards. I thought most BPI atm cards are named BPI Express Teller, as my daughter's Easy Saver card is a BPI Express Teller atm card.It's most likely your account is Easy Saver because you applied for it. A debit card is basically the same as an atm card. BDO's atm savings card is named BDO ATM Debit Card. If you make an atm withdrawal or a balance inquiry and you get a 5-peso deduction, that means your account is Easy Saver.

I meant if you make a withdrawal or balance inquiry at a BPI machine. You'll get a bigger deduction if you use a non-BPI machine, right?If there's no deduction at all, your account could be a regular atm savings account, and you need to maintain a balance in your account (1k for BPIF or 3k for BPI). If this is so, then go back to your branch and ask.

RG II March 25, 2016Hi can I deposit to BPI and BPI express? bpi family po is my accountANSWER:Hi RG II, no. If your account is BPI Family, deposit at any BPI Family branch, not Bank of the Philippine Islands or BPI. If you deposit through cash deposit machine, deposit at a cash deposit machine inside or near a BPI Family branch.

RG II March 25, 2016Is it okay that another person will deposit to my easy saver account?ANSWER:Hi RG II, yes. Any person in the Philippines or abroad can deposit or send money to your Easy Saver account. Just tell them it's BPI Family, not Bank of the Philippine Islands or BPI. BPI Family and BPI are different banks, although BPI Family is a subsidiary of BPI.

Hi Nora, I am aware that for every ATM withdrawal, Php 5 is deducted from my account. However, I got surprised when I recently had a Php 98.71 service charge on my Easy Savers account thus leaving me with Php 0. Would you know why this amount was deducted? Thanks!

Hi Evinia, I'm puzzled that your service charge has cents, that it's not a whole number, like 98 or 99. I'm thinking that the charge should be higher, maybe 100, but because that's your only balance, that was the amount deducted. But I don't know why a 100 would be deducted. Sorry I can't think of a reason right this moment, so it would be best if you call 89-100, and maybe you can comment again here. I'll also research about other Easy Saver fees.

I changed my pin for activation but the atm machine did not show a confirmation message that I successully changed my pin,instead it asked me if I want a receipt then I answered YES and then it just released the receipt and the card. So my question is,did I successfully changed my pin or not? This is a BPI Debit Card.

Hi alex, I think so. What I know is that there should be confirmation, but there could be a change or a glitch. You can try making a balance inquiry using your new PIN (one time only), and if not accepted, get back your atm card, and try using the default PIN given to you, and if accepted, that means you were not able to change successfully previously, so change your PIN for the second time.

About opening a BPI Easy Saver account:Sorry BPI does not yet allow the opening of BPI accounts overseas, except at BPI's London branch where they give assistance. You can open with 100 pesos as initial deposit and 50 pesos for the card, but you must apply at a BPI or BPI Family branch here in the Phils.

About payroll account not used for a yearHi ms nora. I have not used my bpi for payroll account for a year. I checked online and the .78 was still there. Can I still use this if someone sends money to me? Thanks po.ANSWER:If this is a BPI Easy Saver account, then surely, your account is still active, and yes, you can use it to receive remittance, and for savings, even if you haven't used it for a long time and even if your balance is zero. If it's a regular atm account and not Easy Saver, your account is still tagged as payroll account, so it's not yet closed even if your balance is .78. Yes, you can use it to accept remittance. But your account will be converted into a regular account once the bank sees that it's no longer a payroll account.

jade sheilu bañas, about inactive atm account May 22, 2016 Hi goodmorning, question po. I have bpi savings since college 2011. Stopped using it about 2 years ago until now. Can I still deposit to my atm? As far as i know, 30 pesos was its last balance. Or is there an expiration? Thankyou.ANSWER:Hi jade, is your atm account Easy Saver? If yes, you can continue depositing. If not, and it's a regular atm account, your account is already closed. Don't reactivate it, as you would only waste your money for penalties.

Hi, po. I am a student who has a BPI express teller ATM. Tonight at 08:07 p.m, I tried to withdraw a 300-peso cash from my savings, but there was no money that came out from the machine. I am very sure that I still have enough money on my savings. Now, may I ask why is it that the machine did not dispense money, instead there was a receipt given. On the receipt it was a written "TOTAL BALANCE AMOUNT HINDI MAAARI". Again, I am very sure I still have enough balance on my savings.

minimum atm withdrawalWhere did you open your account? If BPI, the minimum atm withdrawal amount is 500 pesos. If BPI Family Savings, the minimum atm withdrawal amount is 200 pesos. If it's Family Savings but your balance is exactly 300, it will not be dispensed because there should be extra 5 pesos to pay for the withdrawal fee. By the way, I'm surprised BPI uses vague Taglish in its atm instructions.

Nicole Kenneth Navarro May 28, 2016 hello po. how many days before we get the atm? and how many days before we can use the account?ANSWER:I think the atm card is given upon application approval. Each branch or express office has the device to emboss the name of the account owner on the atm card. Usually, the third day. Change your PIN the next day, and then use it the following day. Or if the SOP has changed, change the PIN immediately after opening, and then use it the next day. You can deposit money immediately over the counter upon account approval and encoding into the BPI system.

send cash from bpi to bpi and others online? May 29, 2016 Can we send cash bpi to bpi online and bpi to other bank online?ANSWER: BPI to BPI -- yes. BPI to other banks -- NO. If you're using desktop, you need to enroll the other BPI account so you can transfer from your BPI to the other BPI account. To send to an unenrolled BPI account, use your smartphone. Download the BPI app. BPI to Unenrolled BPI Account

mobile bankingYou only need your smartphone if you want to transfer to an unenrolled account.If you don't have a smartphone, enroll the other BPI account that you plan to transfer so you can transfer even without BPI mobile banking.

Easy Saver still active? May 31, 2016 Hi. It's been more than 8 months I did not deposit to my easy saver, but it has a balance. Is there a possibility to be closed or is it still active and there's no deduction? Pls respond. Ty.ANSWER:Your Easy Saver is still active. It does not require a maintaining balance, so it is not closed easily. There's no penalty. Just make sure to deposit or withdraw before 2 years will pass.

How long has it been dormant? If it's dormant, your deposit will not be accepted. You need to go to where you opened your Easy Saver with your IDs and ask if you can reactivate it. Ask if there's a dormancy penalty. I'm not sure about the dormancy penalty as this is a zero-maintaining balance account, so you ask BPI.

Hi, my account was dormant too. I Just go to my branch of account then request to reactivate it. I filled out the same form in opening of account. Presented 2 valid ID, government and company ID, my NSO marriage contract (for updating my status from S to M) and my ATM. I paid 100+ for the dormancy penalty and renewal of my ATM then i deposit any amount. Within the day they activated my account. Hope this help :)

Hi CatFuzion, thank you very much for helping out. I'm so glad you shared helpful information and you described them well. Your answer is the best because it's based on experience. Thanks a lot! Yes, surely this will help :)

I, too have a dormant easy saver account and the teller told me to have it reactivated at my branch of account. What if my branch of account is far like say I'm currently residing in Cavite and my branch of account is in Baguio. I don't have the time and money to travel just to have it reactivated. So, my question is, can I apply for another easy saver account instead, under the same name in a branch where I currently reside? Thanks so much. :)

Is your Easy Saver account in Baguio at a Bank of Philippine Islands branch or a BPI Family Savings branch? Try applying at the other bank. When you have your new account, maintain it. Make transactions. Save.

My account in Baguio is at a BPIslands branch. Yeah, I forgot there's a Family Savings branch. Thanks for the info ma'am, I will apply at a BPI Family Savings bank here in Cavite instead. Will make sure to maintain it from now on. Thanks so much! :)

About student opening an Easy Saver account: It depends on the bank officer. It's always easier if an adult or your parent accompanies you, so he/she can say why you need to open an account. Is it for remittance? For allowance given to you by your parent who lives in another city? But you can also apply alone. Be respectful and speak clearly. Bring your school ID with photocopy, 2 ID pictures, any other ID that you have. Remember the bank officer wants to know that you will really use Easy Saver. There are a lot who have opened this account but have not used it, so I think that's one reason they've become a bit choosy.

Hi, my aunty who works abroad deposited on my bpi account 3k for my tuition fee last June 1, 2016 it's already June 6, 2016 and I'm still not receiving the money. What should I do ? I tried going to the branch where I opened my atm account last June 2, 2016 and they told me that the money will come on June 3 at the afternoon but as I've said earlier it's already June 6 and still nothing

Remittance taking too long to get credited to accountHave you told your auntie? Maybe the remittance company she used is not a BPI partner so a third-party was used, and so it's taking a longer time. I hope she wrote your name and account no. correctly. But I hope your remittance will be in your account later today.

BPI atm withdrawal - no record Good day po, I have an atm account with bpi. I tried withdrawing but the response was "wala kayong record sa bangko". impossible I don't have record with them. was my atm compromised? What should I do? TIA for reply.ANSWER:Is your atm card new? Did you just change your PIN? or did you press the correct account type which is Savings? If none of these, try using the atm again, then if it's the same response, you should go to your branch and ask.

Hi Mark David, yes, you can apply at BPI or BPI Family. Is your voter's ID the light-blue one? and laminated? Bring also one 1x1 ID picture and any bill in your name or any document to prove your address (some branches require this).

Can i still use (deposit/withdraw) my easy saver card that i have not used for about 1year? Is there any charge/penalty if i use it again? Im planning to continue using it and deposit savings.. thanks in advance

Yes, it's quicker because your employer referred you -- they don't have to ask questions.If you applied on your own, you also would have received your atm card within the hour (if the branch or express center is not busy), as long as you have valid IDs and ID picture (some branches are strict with proof of address). They have the device to emboss your name on the atm card after your application is processed.

balance inquiry over the counter without atm card: Try asking. Present your ID as you ask. Remember there's banking privacy law so they don't give information if they are not sure you are the account owner.

About student account:This BPI Easy Saver account is good for students because it does not require a maintaining balance. What it does is it charges 5 pesos for every atm withdrawal and every atm balance inquiry. Find a Bank of Philippine Islands or a BPI Savings branch near you. Bring your school ID, birth cert, library ID, proof of address (like phone bill or cable bill or letter from your college or mail with your home address printed or typewritten).Yes, you can open your own account without your parents' signature. If the bank officer asks why you are opening an account, tell them you need an account for your allowance.

BPI payroll account: Try making a balance inquiry again to make sure your account is active. If no longer active, go to the branch of account and ask. Usually now, if a former employee wants to continue using his payroll account, he needs to go to the branch and ask it to be converted to a regular account, which will require a maintaining balance. Ask the maintaining balance so you can maintain it. If it's Bank of the Philippine Islands, their atm-only account requires 3,000 for maintenance.

Good day! I have read the previous comments here especially about students wanting to open a BPI Easy Saver account, but there wasn't any for those below 18 years of age. I'm turning, by the way, 18 this coming September and I really need the money that will be sent by my parent working abroad for my tuition and monthly allowance. I found out about the BPI or BPI Family Jumpstart Savings (accounts for 18 years below) but what if my birthday comes, do I have to open another account that is for legal age and delete the newly-opened one? Thanks for your response!

Student bank account:Hi Himay, since you're almost 18, it might be better if you open the regular atm savings account (3k maintaining balance if at Bank of the Philippine Islands, and 1k maintaining balance if at BPI Family Savings).If you think you'll not be able to maintain the required balance, apply for a BPI Easy Saver account. Tell them you're going to use it to receive your remittance from abroad. This account is zero-maintaining, but you will be charged 5 pesos for every atm withdrawal and atm balance inquiry. You can enroll it in online banking so you can do your balance inquiry online for free.

Hi khaycie, in order that your account will not become dormant (2 years without deposit or withdrawal) your family can deposit money to your account over the counter at any BPI branch in the Philippines with NO deposit fee. It's free. You can also send money to your account from abroad. And it's good you have enrolled in BPI online banking so you can check your balance from time to time.In order that you can withdraw there abroad, you must first call BPI that you're going to use your atm card abroad.Is your account the one with 3,000-peso maintaining balance? You should maintain 3k in your account to avoid penalty.

Can I ask po, what if my BPI Easy Saver Card po is hindi nahulugan starting ng inavail ko sya. Can I still use it? Nun time na nag-open po kasi ako ng account, student palang ako, and that was 3 years ago, now that I am working, can I still use and deposit on it? Thank You!

Good day! Just askin'. Can I still use my ATM Card (BPI Easy Saver) though, I haven't deposit any since I open my account. Just the 200. Because that time na nag-open po ako, I was just a student and that was 3 years ago. Never po nasundan ng hulog yun 200. Right now, I am working and I wanted to use it for saving, available or valid pa ba sya na gamitin? Thank You. Hoping for your answers. :)

Hi madz, your account is already dormant. An account becomes dormant if without deposit or withdrawal within 2 years. You can go to your branch to reactivate it. Bring your IDs. Ask them if there's no penalty for dormancy, just to be sure, although I know there should be no penalty as this account does not require a maintaining balance.

About card replacement in another branch: Sorry I think another branch will not replace it because your records (the papers that you filled-up and signed when you opened your account) are based in your branch of account.If it's very costly to go back to your original branch, you can withdraw all your money from this account, then open in the sister bank (BPI Family or Bank of Philippine Islands)

10,000 becoming 9001.95:Is your account a BPI passbook account which requires a maintaining balance of 10,000 pesos? What is (eps)? Did you use your atm card as a debit card to pay an item you bought at a store or supermarket?

Hi Mam Nora.i just want to ask why did BPI hold my available balance? 5 days ago i received my remittance from hk amounting to 116k and then withdrawed 4k on the first day..and 10k on the 2nd day. so it means available sila. but nubg magwithdraw ulit ako today it says amount not available.but when i balance inquire it it says i have the funds in current but the avaible balance is zero. sabi nubg BPI csr na nkausap ko nkahold daw account funds ko and only the branch manager can explain it.but WHY do they have to hold ot for what reason? considering im a client for almost 8 years..is it possible because they cant contact me for the number i gave was lost? is it enough reason to hold my money? ngayon ko lang naexperience skanila to.

102k from Hong Kong was put on hold: I'm not sure but I think the branch wants you to visit them with your IDs and update your personal data with them. As you've said they are not able to call you because your phone no. with them is not updated. These things like updating all arose from the recent money-laundering scandal that involved RCBC. Banks have been mandated to improve their knowledge of clients. BPI's website (Branch Locator) has the phone nos. of the branches.

do i really have to be there personally? branch is in Pampanga while I am based in Palawan now. well i wish nothing so serious about it and hopefully to get acess on my funds right away. thabk u very much Madam

Hi Mam Nora..funds are ok now. just curious the reason why they hold the funds is that the funds are not physically transfer yet but they are transferred and to think i already got some part of the amount before they say they are not yet in the bank acct. confusing! and teally in my more or less 9 years of remittance experience this just happened only now.. anyway thank u for the response..makes me relieved from overthinking til i get connected to them.thank u!

That's great you already have your money. I think they told you the safest answer, as they could have faced a liability if they held your money and you lost a deal or your cheque bounced. As wise men say, all is well that ends well. Have a nice day! And thanks for sharing info.

Hi znog 28, if you will be charged 200 pesos per month for dormancy penalty, the penalty will start on the 25th month you did not have transaction. You can visit your branch with your IDs and ask if you are really required to pay a dormancy penalty every month from month of dormancy to reactivate your account. Ask the total amount, then decide. You can reactivate, or you can decide not to. You can open another Easy Saver account in another bank (BPI Family or Bank of Philippine Islands). When you get a new account, maintain it so that it does not get dormant.

No expiration. But if you don't have a deposit or withdrawal within 24 months, your account will become dormant. It will be put on hold until you go to the branch and reactivate it. They could impose a monthly dormancy penalty.

: Your payroll account is just like a regular account, so there's no charge if you withdraw or make balance inquiry at a BPI atm. There's also no charge if you transfer funds using your BPI online account to another BPI account. Yes, there's no maintaining balance requirement for you because it's your company which is maintaining a balance in its corporate account.

About BPI online transfer charges: Yes, there's a 5-peso fee for every online fund transfer from your Easy Saver online account. Easy Saver online balance inquiry is free. If others transfer to your Easy Saver from their local account, there's no receiving fee. It's them who are charged by their own banks. For online transfer to other banks, Bancnet charges 25 pesos, Union Bank charges 10 pesos, BDO charges 100 pesos.But if you receive money from abroad or from Paypal, you will be charged with an inward remittance fee of a minimum of 150 pesos.About dormancy, yes, online fund transfer and fund-receiving transactions will keep your account active.

Type of account of payroll account: Hi Zj Your type of account is SAVINGS. CURRENT is for a checking account. PREPAID is for a cash card or prepaid card (BPI Express Cash or BPI My ePrepaid Mastercard). CREDIT is for a credit card.

Hi Joan Trixia: Yes, your Easy Saver is still active. Make sure you deposit or withdraw at least once a year so it will remain active. The account becomes dormant if there's no deposit or withdrawal within 24 months. Maintain your account so that you don't have to open a new account if this gets closed. Try your best to save money.

Hi laira mae: Sorry kung napalitan mo na, hindi na gagana yang default PIN no. diyan sa BPI document. At meron ding deadline yan. But if you're not sure if you have changed your default PIN, try mo din lang to change that default PIN. Kung hindi na puede, ang remedyo lang is to go to your branch and ask what to do if you forgot your PIN. Usually ngayon, hindi naretrievable ang PIN, so ang remedy is to have a new atm card to replace your current card. Now, think of a 4-digit number na you won't forget, but others will not be able to guess.

Please write your comment. Then click Publish. Login to Gmail. Click Publish again.Your Gmail address will not be displayed online. It will not be seen by me.If already logged in to Gmail, just click Publish after commenting, and your comment will be quickly published.